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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does auto insurance cost in Modesto?


The typical Modesto driver pays $1,880 per year for auto insurance. That's pricier than the average in California ($1,868) and pricier than the national average of $1,548. Our guide to Modesto car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!

Modesto Average (annual) California Average United States Average
$1,880 $1,868 $1,548
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Modesto auto insurance premiums by company


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your car insurer carefully. For a typical driver, GEICO offers Modesto's most affordable premiums. We've listed the best cheap car insurance companies in Modesto below. Use this information as a starting point and be sure to collect quotes (it's free!) specific to your unique driving profile.

Company Average Yearly Rate
GEICO $1,245
Mercury $1,429
AAA $1,576
Infinity $1,881
Alliance $1,928

Read our guide to finding the best cheap auto insurance.


Modesto car insurance costs by age

Modesto drivers in their 60s enjoy relatively affordable auto insurance rates, paying just $1,671 per year, on average. Those in their 50s don't pay significantly more ($1,683).

The Modesto drivers who face the priciest insurance rates are teenagers. When drivers hit their 20s in Modesto and move out of the teenage age bracket, they reduce their premiums substantially. In Modesto, teenage drivers pay $6,987: $5,303 more than the second-most expensive rate paid by an age group.

Age Average Annual Rate
Teenagers $6,987
20s $2,794
30s $1,829
40s $1,767
50s $1,683
60s $1,671
70s $1,936

Learn more about the impact of age on car insurance premiums.


Modesto car insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect their car insurance rates. In Modesto, married drivers pay $76 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Modesto, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In Modesto, female drivers pay more for auto insurance than do male drivers: $1 per year, to be precise.

Gender/Marital Status Average Annual Rate
Female $1,881
Male $1,880
Single $1,804
Married $1,804
Divorced $1,880
Widowed $1,829

Learn more about how gender and marital status have on car insurance rates.


Modesto car insurance rates by accident and violation history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault collisions, DWIs, citations for reckless driving and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Modesto, a reckless driving citation results in an average insurance rate increase of $3,169 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $3,071 increase and a speeding ticket triggers a $771 rate hike.

Violation Average Annual Rate
DUI/DWI $4,951
Reckless Driving $5,048
At-fault Accident (damages less than $1,000) $1,887
At-fault Accident (damages greater than $2,000) $3,301
Speeding Ticket (16-20 mph over speed limit) $2,650

Learn more about the impact of driving violations on car insurance rates.


Modesto auto insurance rates by credit score

California is one of the few states to prohibit car insurance companies from taking a driver's credit score into account when setting rates. 

Get additional information on how credit impacts car insurance costs in other U.S. states.

Compare quotes from the best auto insurance companies side-by-side.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.